PANews April 20 news, the Financial Secretary of Hong Kong, Paul Chan, elaborated on the opportunities and challenges brought by the integration of Web3 and artificial intelligence at the 2026 Hong Kong FinTech Week. Paul Chan pointed out that financial institutions are increasingly using digital asset tokenization to improve efficiency, reduce costs, and shorten settlement times, covering a wider range of asset types from currencies, bonds to real estate and future income. He emphasized that digital intelligence is being embedded in the economy. This year, the rise of agent artificial intelligence is another notable milestone; they can analyze information, make decisions, and execute actions autonomously, including direct interactions and interactions with other systems. Undoubtedly, this interest and the intersection of Web3 with artificial intelligence will change the "rules of the game".

Paul Chan also identified three major challenges that must be addressed together: First, the infrastructure for payments and settlements needs to develop in tandem, requiring global common standards and close cross-border cooperation; Second, AI’s autonomous decision-making capabilities must ensure that humans remain in control, making AI behavior predictable and traceable; Third, regulatory and governance frameworks need to keep pace to ensure that investors, users, and consumers are properly protected, while addressing risks such as cybersecurity, fraud, and system bias. He stressed that decentralization and digital intelligence do not mean weakened accountability or lowered standards, but should facilitate smarter ways to integrate compliance and oversight mechanisms into the financial system.

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